If you are ever in a situation where you try to use a VISA or MasterCard debit card with your PIN and your transaction is denied, please try the transaction again, but have the merchant run it as a credit card.

Interbank networks (i.e. Maestro, Cirrus, NYCE, Money Pass, Plus) occasionally go down. These are the services that talk to your financial institution to verify your PIN based transactions. If the interbank network can’t communicate back to the financial institution that issued the card, the PIN will be denied. But if you use your debit card as a credit card, the verification goes to VISA or MasterCard.

We hope this information makes it even easier for you to rely on your debit card working when you need it.